432 lines
22 KiB
TypeScript
432 lines
22 KiB
TypeScript
/**
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* Copyright since 2025 Mifos Initiative
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*
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* This Source Code Form is subject to the terms of the Mozilla Public
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* License, v. 2.0. If a copy of the MPL was not distributed with this
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* file, You can obtain one at http://mozilla.org/MPL/2.0/.
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*/
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/**
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* OSS 1 — Return on Assets and Liabilities (RAL), return code R070.
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*
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* Mirrors the RBI CIMS "Form RAL_CIMS Template1 OSS 1" workbook sheet-for-sheet:
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* General Information / Assets & Liabilities / Annexure 1 / Annexure 2 / Signatory
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*
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* All monetary values are Rs in Thousands, exactly as the return prescribes.
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* A `null` value means the source return leaves that cell blank — blank and zero
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* are different to RBI, so they must not be collapsed into one another.
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*/
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import { OSS_BANK, OSS_SIGNATORIES, ReturnGeneralInfoRow, ReturnLine, ReturnSignatory } from '../oss-return.model';
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/** One labelled row of the return. */
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export type RalLine = ReturnLine;
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export interface RalTopDeposit {
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srNo: number;
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institution: string;
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amount: number | null;
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rateOfInterest: number | null;
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dateOfReceipt: string;
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days: number | null;
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months: number | null;
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years: number | null;
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}
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export interface RalAgeingRow {
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period: string;
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noOfDebitEntries: number | null;
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amtOfDebitEntries: number | null;
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noOfCreditEntries: number | null;
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amtOfCreditEntries: number | null;
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}
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export interface RalUnsecuredGuarantee {
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srNo: number;
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borrower: string;
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beneficiary: string;
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amountOutstanding: number | null;
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}
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export interface RalSundryDebtor {
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srNo: number;
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dueFromName: string;
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amountDue: number | null;
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provisionMade: number | null;
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}
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export type RalSignatory = ReturnSignatory;
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/**
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* Sheet 1 — General Information.
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* Return Name / Return Code are fixed by RBI; everything else is this bank's own
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* identity and the quarter being reported.
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*/
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export const RAL_GENERAL_INFO: ReturnGeneralInfoRow[] = [
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{ label: 'Return Name', value: 'Return on Assets and Liabilities (RAL)' },
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{ label: 'Return Code', value: 'R070' },
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{ label: 'Bank Name', value: OSS_BANK.name },
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{ label: 'Bank Code', value: OSS_BANK.bankCode },
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{ label: 'RO Name', value: OSS_BANK.roName },
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{ label: 'Reporting Frequency', value: OSS_BANK.reportingFrequency },
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{ label: 'Quarter End Date', value: OSS_BANK.quarterEndDate },
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{ label: 'Audit Flag', value: OSS_BANK.auditFlag },
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{ label: 'Date of Audit', value: OSS_BANK.dateOfAudit },
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{ label: 'Return Version', value: OSS_BANK.returnVersion },
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{ label: 'Start Date', value: OSS_BANK.startDate }
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];
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/** Sheet 2 — Assets & Liabilities :: Liabilities */
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export const RAL_LIABILITIES: RalLine[] = [
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{ label: '1. Paid-up Capital', level: 0, value: 27278, total: true },
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{ label: 'i. Individuals', level: 1, value: 27278 },
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{ label: 'ii. State Government', level: 1, value: null },
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{ label: 'iii. Others', level: 1, value: null },
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{ label: '2. Reserve Fund and other Reserves', level: 0, value: 60863, total: true },
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{ label: 'i. Statutory Reserve Fund', level: 1, value: 31149 },
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{ label: 'ii. Building Fund', level: 1, value: 13642 },
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{ label: 'iii. Dividend Equalization Fund', level: 1, value: 36 },
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{ label: 'iv. Revaluation Reserve', level: 1, value: null },
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{ label: 'v. Provision for Standard Assets', level: 1, value: 3750 },
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{ label: 'vi. General Provisions (other than provision for standard advances)', level: 1, value: 282 },
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{
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label: 'vii. Other Funds and Reserves not in the nature of outside liability-(Refer Annexure I)',
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level: 1,
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value: 12004
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},
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{ label: '3. Profit (+) / Loss (-)', level: 0, value: 10397, total: true },
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{ label: 'i. Surplus Unallocated and Carried over from Previous years', level: 1, value: 5592 },
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{ label: 'ii. Accumulated Losses of Previous years', level: 1, value: null },
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{ label: 'iii. Operating Surplus in Current year', level: 1, value: 4805 },
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{ label: 'iv. Operating Deficit in Current year', level: 1, value: null },
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{ label: '4. Total Capital And Reserves', level: 0, value: 98538, total: true },
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{ label: '5. Subordinated Debt (Tier II Capital) #', level: 0, value: null },
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{ label: '6. Deposits and other Accounts', level: 0, value: 634309, total: true },
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{ label: 'Customer Deposits -', level: 1, value: 634309, total: true },
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{ label: 'Total No of Depositors', level: 1, value: 8156, total: true, count: true },
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{ label: 'A. Resident Deposits', level: 1, value: 634309, total: true },
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{
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label:
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'i. Term Deposits (including recurring deposits, cash certificates, staff provident funds,security deposits and matured term deposits)',
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level: 2,
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value: 406601
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},
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{ label: 'No. of Term Depositors', level: 2, value: 3462, count: true },
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{ label: 'ii. Savings Bank Deposits', level: 2, value: 208116 },
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{ label: 'No of Savings Depositors', level: 2, value: 4455, count: true },
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{ label: 'iii. Current Deposits', level: 2, value: 19592 },
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{ label: 'No of Current Depositors', level: 2, value: 239, count: true },
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{ label: 'B. Non Resident Deposits', level: 1, value: 0, total: true },
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{ label: '1. NRI Deposits (Other than deposits in NRO Accounts)', level: 2, value: 0, total: true },
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{ label: 'i. FCNR Deposits', level: 2, value: null },
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{ label: 'No of FCNR Depositors', level: 2, value: null, count: true },
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{ label: 'ii. NRE Deposits', level: 2, value: null },
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{ label: 'No of NRE Depositors', level: 2, value: null, count: true },
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{ label: '2. NRO Deposits', level: 2, value: null, total: true },
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{ label: 'No of NRO Depositors', level: 2, value: null, count: true },
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{ label: 'C. Deposit of Banks', level: 1, value: 0, total: true },
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{ label: 'i. Commercial Banks', level: 2, value: null },
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{ label: 'ii. Scheduled Cooperative Banks', level: 2, value: null },
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{ label: 'iii. Other Cooperative Banks', level: 2, value: null },
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{ label: '7. Borrowings from', level: 0, value: 0, total: true },
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{ label: 'i. RBI / NABARD / SIDBI / NHB', level: 1, value: null },
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{ label: 'ii. State/Central Coop. Bank of the State/ District', level: 1, value: 0, total: true },
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{ label: 'a. Short-term loans', level: 2, value: null },
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{ label: 'b. Medium-term loans', level: 2, value: null },
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{ label: 'c. Cash credits and overdrafts', level: 2, value: null },
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{ label: 'iii. Other banks (exclude borrowings from call money market)', level: 1, value: null },
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{ label: 'iv. Call money market', level: 1, value: null },
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{ label: 'v. Long Term Deposits', level: 1, value: null },
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{ label: 'vi. Others', level: 1, value: null },
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{ label: '8. Bills for collection being bills receivable as per contra', level: 0, value: null },
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{ label: '9. Branch Adjustments *', level: 0, value: null },
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{ label: '10. Overdue Interest Reserve', level: 0, value: 32096 },
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{ label: '11. Interest Payable on', level: 0, value: 731, total: true },
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{ label: 'i. Deposits', level: 1, value: 731 },
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{ label: 'ii. Borrowings', level: 1, value: null },
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{
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label:
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'12. Risk Provisions Other than netted off assets (BDDR, Spl BDDR, Depreciation on fixed assets etc.,)',
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level: 0,
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value: 39440,
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total: true
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},
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{ label: 'i. For investments (Investment Depreciation Reserve)', level: 1, value: 3750 },
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{ label: 'ii. BDDR, Spl BDDR', level: 1, value: 24341 },
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{ label: 'iii. Depreciation on fixed assets', level: 1, value: null },
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{ label: 'iv. For other impaired assets', level: 1, value: 11349 },
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{ label: 'v. For contingent / non-funded exposures', level: 1, value: null },
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{ label: '13. Other Liabilities', level: 0, value: 5806, total: true },
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{ label: 'i. Bills payable', level: 1, value: 291 },
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{ label: 'ii. Unclaimed dividends', level: 1, value: null },
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{ label: 'iii.Provident fund payable to Regional Provident Fund Commissioner', level: 1, value: null },
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{ label: 'iv.Others', level: 1, value: 5515 },
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{ label: '14. Total Outside Liabilities', level: 0, value: 712382, total: true },
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{ label: '15. Total Liabilities', level: 0, value: 810920, total: true },
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{ label: '16. Contingent Liabilities', level: 0, value: 2638, total: true },
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{ label: 'i. Claims against the bank not acknowledged as debt', level: 1, value: null },
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{ label: 'ii. Liabilities for partly paid investments', level: 1, value: null },
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{ label: 'iii. Letter of Credit Documentary', level: 1, value: null },
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{ label: 'iv. Guarantees - Financial', level: 1, value: null },
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{ label: 'v. Guarantees- Others (Indemnity/ Tender/ Bid Bonds)', level: 1, value: null },
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{ label: 'vi. Sale and Repurchase Agreement /Asset sales with recourse', level: 1, value: null },
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{ label: 'vii. Liability on account of outstanding forward exchange contracts', level: 1, value: null },
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{ label: 'viii. Acceptances, endorsements and other obligations', level: 1, value: null },
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{ label: 'ix. Others', level: 1, value: 2638 }
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];
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/** Sheet 2 — Assets & Liabilities :: Assets */
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export const RAL_ASSETS: RalLine[] = [
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{ label: '1. Cash in Hand', level: 0, value: 9996 },
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{ label: '2. I. Due from Banks', level: 0, value: 57600, total: true },
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{ label: 'A. Balances with Banks', level: 1, value: 57600, total: true },
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{ label: 'i. State/ Central Cooperative Bank of the State/District concerned in', level: 2, value: 32268, total: true },
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{ label: 'a. Current', level: 2, value: 5980 },
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{ label: 'b. Savings', level: 2, value: null },
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{ label: 'c. Fixed', level: 2, value: 26288 },
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{ label: 'ii. RBI :', level: 2, value: 0, total: true },
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{ label: 'a. Current', level: 2, value: null },
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{ label: 'b. Others', level: 2, value: null },
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{ label: 'iii. SBI and other notified banks :', level: 2, value: 25332, total: true },
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{ label: 'a. Current', level: 2, value: 13667 },
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{ label: 'b. Savings', level: 2, value: null },
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{ label: 'c. Fixed', level: 2, value: 11665 },
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{ label: 'B. Loans and Advances to Banks (including bills)', level: 1, value: 0, total: true },
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{ label: 'i. Call and Short Notice Money to Cooperative Banks', level: 2, value: null },
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{ label: 'ii. Call and Short Notice Money to Other Banks', level: 2, value: null },
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{ label: 'iii. Loans and Advances to Scheduled Cooperative Banks', level: 2, value: null },
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{ label: 'iv.Loans and advances to Non scheduled Cooperative Banks', level: 2, value: null },
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{ label: 'v. Loans and Advances to Other Banks', level: 2, value: null },
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{
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label: '2. II. Due from Other institutions (including post office / treasuries / others)',
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level: 0,
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value: 77353,
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total: true
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},
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{ label: 'a. Current', level: 1, value: 9954 },
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{ label: 'b. Fixed', level: 1, value: 67399 },
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{ label: 'c. Others', level: 1, value: null },
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{ label: '3. Investments', level: 0, value: 234297, total: true },
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{
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label: 'A. SLR Investments in Government and Other Approved Central and State Govt Securities',
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level: 1,
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value: 211734,
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total: true
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},
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{ label: 'i. GOI T. Bills', level: 2, value: null },
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{ label: 'ii. GOI (dated) Securities', level: 2, value: 63839 },
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{ label: 'iii. State Government Securities', level: 2, value: 147895 },
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{
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label: 'iv. Other Trustee/approved securities including Land Development Bank debentures',
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level: 2,
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value: null
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},
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{ label: 'B. Non - SLR Investments', level: 1, value: 22563, total: true },
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{ label: 'B1. Other Debt Securities', level: 2, value: 0, total: true },
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{ label: 'i. Other State Government Securities', level: 2, value: null },
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{ label: 'ii. Bonds of PSUs / All India Financial Institutions', level: 2, value: null },
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{ label: 'B2. Equities / Units of Mutual Funds', level: 2, value: 63, total: true },
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{ label: 'i. Shares in Cooperative Institutions', level: 2, value: 63 },
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{ label: 'ii. Shares of All India Financial Institutions', level: 2, value: null },
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{ label: 'iii. Units of Mutual Funds (UTI,etc)', level: 2, value: null },
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{ label: 'B3. Investment in Subsidiaries / Equity Participations', level: 2, value: null },
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{ label: 'B4. Other Investments', level: 2, value: 22500 },
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{ label: '4. Loans and Advances', level: 0, value: 391288, total: true },
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{ label: 'A. Gross Loans and Advances: (Other than banks)', level: 1, value: 391288, total: true },
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{ label: 'Total No of Borrowers', level: 1, value: 363, total: true, count: true },
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{ label: 'i. Short term loans', level: 2, value: 125082, total: true },
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{ label: 'No of Borrowers', level: 2, value: 137, count: true },
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{ label: 'a. Secured', level: 2, value: 125082 },
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{ label: 'b. Unsecured', level: 2, value: null },
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{ label: 'ii. Cash credits and overdrafts', level: 2, value: 166614, total: true },
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{ label: 'No of Borrowers', level: 2, value: 140, count: true },
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{ label: 'a. Secured', level: 2, value: 166614 },
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{ label: 'b. Unsecured', level: 2, value: null },
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{ label: 'iii. Medium - term loans', level: 2, value: 70236, total: true },
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{ label: 'No of Borrowers', level: 2, value: 66, count: true },
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{ label: 'a. Secured', level: 2, value: 70070 },
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{ label: 'b. Unsecured', level: 2, value: 166 },
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{ label: 'iv. Long - term loans', level: 2, value: 29356, total: true },
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{ label: 'No of Borrowers', level: 2, value: 20, count: true },
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{ label: 'a. Secured', level: 2, value: 29356 },
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{ label: 'b. Unsecured', level: 2, value: null },
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{ label: 'v. Bills/hundies purchased/discounted', level: 2, value: 0, total: true },
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{ label: 'No of Borrowers', level: 2, value: null, count: true },
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{ label: 'a. Documentary', level: 2, value: null },
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{ label: 'b. Clean', level: 2, value: null },
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{ label: 'B. Netting items on Loans and Advances', level: 1, value: 0, total: true },
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{ label: 'i. Unrealised Interest in Suspense', level: 2, value: null },
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{ label: 'ii. Credit Recoveries in Suspense', level: 2, value: null },
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{ label: 'iii. Provisions for Credit Losses ( funded credits)', level: 2, value: null },
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{ label: 'C. Loans and Advances (Net)', level: 1, value: 391288, total: true },
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{ label: '5. Interest Receivable on', level: 0, value: 33541, total: true },
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{ label: 'i. Investments', level: 1, value: 1445 },
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{ label: 'ii.Loans and Advances', level: 1, value: 32096 },
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{ label: 'Of 5 (ii) above, overdues', level: 1, value: 32096 },
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{ label: '6. Bills Receivable being bills for collection as per contra', level: 0, value: null },
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{ label: '7. Premises (less depreciation)', level: 0, value: 3185 },
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{ label: '8. Furniture and Fixtures (less depreciation)', level: 0, value: 1763 },
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{ label: '9. Branch Adjustments **', level: 0, value: null },
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{ label: '10. Other Assets', level: 0, value: 1897, total: true },
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{ label: 'i. Advance Tax Paid and TDS (net)', level: 1, value: null },
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{ label: 'ii. Amounts due from RBI', level: 1, value: null },
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{ label: 'iii. Sundry Debtors', level: 1, value: null },
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{ label: 'iv. Intangible Assets', level: 1, value: null },
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{ label: 'v. All Other', level: 1, value: 1897 },
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{ label: '11. Non-banking Assets acquired in satisfaction of claims', level: 0, value: null },
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{ label: '12. Total Assets (1 to 11)', level: 0, value: 810920, total: true }
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];
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/** Sheet 2 — Memo block */
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export const RAL_MEMO: RalLine[] = [
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{ label: '1.Capital Infusion during Apr to Date', level: 0, value: 0, total: true },
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{ label: '1.1 Tier 1 Capital Raised during April to Date', level: 1, value: null },
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{ label: '1.2 Tier 2 Capital Raised during April to Date', level: 1, value: null },
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{ label: '2. Capital Instruments due for redemption in next twelve months', level: 0, value: null }
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];
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export const RAL_BALANCE_SHEET_NOTES: string[] = [
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'Note : * To be furnished as per the books of the bank.',
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'Note : ** Branch adjustments: Net position to be shown as an item of liability / assets, as the case may be.',
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'Note: # Capital raised by way of RCPS / RNCPS / PNCPS to be reported under this item'
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];
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/** Sheet 3 — Annexure 1 :: 1. Break-up of Other Funds and Reserves */
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export const RAL_OTHER_FUNDS: RalLine[] = [
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{ label: 'i. Gratuity Fund', level: 1, value: null },
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{ label: 'ii. Staff Welfare Fund', level: 1, value: 1310 },
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{ label: 'iii. Silver Jubilee Fund', level: 1, value: null },
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{ label: 'iv. Development Fund', level: 1, value: 36 },
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{ label: 'v. Charity Fund', level: 1, value: 1718 },
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{ label: 'vi. Any Other Fund/ Disclosed reserves', level: 1, value: 8940 },
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{
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label:
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'vii. Undisclosed Reserves created out of PAT and included in B/S under heads like other liabilities and provisions',
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level: 1,
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value: null
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},
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{ label: 'Total', level: 0, value: 12004, total: true }
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];
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/** Sheet 3 — Annexure 1 :: 2. Top 20 deposits from other banks / institutions */
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export const RAL_TOP_20_DEPOSITS: RalTopDeposit[] = Array.from(
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{ length: 20 },
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(_, i): RalTopDeposit => ({
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srNo: i + 1,
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institution: '',
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amount: null,
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rateOfInterest: null,
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dateOfReceipt: '',
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days: null,
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months: null,
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years: null
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})
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);
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/** Column captions shared by the two age-wise analyses in Annexure 1. */
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export const RAL_AGEING_HEADERS: string[] = [
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'Time period',
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'No. of debit entries',
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'Amt. of debit entries',
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'No. of credit entries',
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'Amt. of credit entries'
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];
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/** Sheet 3 — Annexure 1 :: 3. Age-wise Inter Branch Adjustment Account */
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export const RAL_INTER_BRANCH_AGEING: RalAgeingRow[] = [
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{ period: '3 months to 6 months', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
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{ period: 'Above 6 months to 1 year', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
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{ period: 'Above 1 year to 2 years', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
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{ period: 'Above 2 years', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
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{ period: 'Total', noOfDebitEntries: 0, amtOfDebitEntries: 0, noOfCreditEntries: 0, amtOfCreditEntries: 0 }
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];
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/** Sheet 3 — Annexure 1 :: 4. Age-wise Inter Bank Reconciliation Account */
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export const RAL_INTER_BANK_AGEING: RalAgeingRow[] = [
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{ period: '3 months to 6 months', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
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{ period: 'Above 6 months to 1 year', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
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{ period: 'Above 1 year to 2 years', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
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{ period: 'Above 2 years', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
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{ period: 'Total', noOfDebitEntries: 0, amtOfDebitEntries: 0, noOfCreditEntries: 0, amtOfCreditEntries: 0 }
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];
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/** Sheet 3 — Annexure 1 :: 5. Unsecured guarantees issued by the bank */
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export const RAL_UNSECURED_GUARANTEES: RalUnsecuredGuarantee[] = [
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{ srNo: 1, borrower: '', beneficiary: '', amountOutstanding: null }
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];
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export const RAL_UNSECURED_GUARANTEES_TOTAL = 0;
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/** Sheet 4 — Annexure 2 :: Sundry Debtors ageing buckets */
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export const RAL_SUNDRY_DEBTORS: { title: string; subtitle: string; rows: RalSundryDebtor[] }[] = [
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{
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title: 'Sundry Debtors Account -1',
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subtitle: 'Long Outstanding Large Amounts - Outstanding for over 6 months but less than 1 year*',
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rows: [{ srNo: 1, dueFromName: '', amountDue: null, provisionMade: null }]
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},
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{
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title: 'Sundry Debtors Account -2',
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subtitle: 'Long Outstanding Large Amounts - Outstanding for over 1 year but less than 3 years*',
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rows: [{ srNo: 1, dueFromName: '', amountDue: null, provisionMade: null }]
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},
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{
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title: 'Sundry Debtors Account -3',
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subtitle: 'Long Outstanding Large Amounts - Outstanding for over 3 years*',
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rows: [{ srNo: 1, dueFromName: '', amountDue: null, provisionMade: null }]
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}
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];
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export const RAL_SUNDRY_DEBTORS_NOTE =
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'* Large Amounts: Rs. 2 lakhs for banks having total assets of Rs. 100 lakhs and over Rs. 50,000 for other banks';
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/** Sheet 4 — Annexure 2 :: Details of Depositors & Borrowers */
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export const RAL_DEPOSITORS_BORROWERS: RalLine[] = [
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{ label: '1.Total No of Depositors', level: 0, value: 8156, total: true, count: true },
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{ label: 'Total Customer Deposits', level: 0, value: 634309, total: true },
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{ label: 'a. i) Of which Total No. of Depositors with Deposits less than Rs. 1 Lakh', level: 1, value: 6568, count: true },
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{ label: 'ii) Of which total Deposit Amount', level: 1, value: 109992 },
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{ label: 'b. i) Of which Total No. of Depositors with Deposits Between Rs 1 Lakh to Rs. 2 Lakh', level: 1, value: 739, count: true },
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{ label: 'ii) Of which total Deposit Amount', level: 1, value: 102475 },
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{ label: 'c. i) Of which Total No. of Depositors with Deposits Between Rs. 2 Lakh to Rs 5 Lakh', level: 1, value: 580, count: true },
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{ label: 'ii) Of which total Deposit Amount', level: 1, value: 176820 },
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{ label: '2.Total No of Borrowers', level: 0, value: 363, total: true, count: true },
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{ label: 'Total Loans and Advances (Other than Banks)', level: 0, value: 391288, total: true },
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{ label: 'a. i) Of which Total No. of Borrowers with Loans and Advances less than Rs. 1 Lakh', level: 1, value: 55, count: true },
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{ label: 'ii) Of which total Loans and Advances Amount', level: 1, value: 2061 },
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{ label: 'b. i) Of which Total No. of Borrowers with Loans and Advances Between Rs 1 Lakh to Rs. 2 Lakh', level: 1, value: 18, count: true },
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{ label: 'ii) Of which total Loans and Advances Amount', level: 1, value: 2837 },
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{ label: 'c. i) Of which Total No. of Borrowers with Loans and Advances Between Rs. 2 Lakh to Rs 5 Lakh', level: 1, value: 55, count: true },
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{ label: 'ii) Of which total Loans and Advances Amount', level: 1, value: 21260 }
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];
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/** Sheet 4 — Annexure 2 :: Complaints Received from public */
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export const RAL_COMPLAINTS: RalLine[] = [
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{ label: 'a) No. Of complaints outstanding at the beginning of the quarter', level: 1, value: 0, count: true },
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{ label: 'b) No. Of complaints received during the quarter', level: 1, value: 0, count: true },
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{ label: 'c) No. of complaints addressed during the quarter', level: 1, value: 0, count: true },
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{ label: 'd) No. of complaints outstanding at the end of the quarter', level: 1, value: 0, count: true },
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{ label: 'e) No. of complaints outstanding for over 2 quarters', level: 1, value: 0, count: true }
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];
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/** Sheet 5 — Signatory. Shared across returns so OSS 1 and OSS 2 always agree. */
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export const RAL_SIGNATORIES: RalSignatory[] = OSS_SIGNATORIES;
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